I'm a great believer in everything at the right time. Go on a crazy spree if it's the right time to do it but choose your moment carefully and beware of impulse buying.
LemarI didn't get paid for my first gig supporting Usher Raymond in the Temple in Tottenham when I was 17 or 18. I bugged the promoter to let me play and it went down a storm. And after that I got loads of gigs, which were paid.
LemarI think money is pretty straightforward. Get some money in; pay off what you owe, the rest is yours.
Lemar